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RBI-Priority Sector Lending- Targets and Classification Overdraft in PMJDY accounts
February, 26th 2015

FIDD.CO.Plan.BC 50 /04.09.01/2014-15

February 25, 2015

The Chairman/ Managing Director/ 
Chief Executive Officer
[All scheduled commercial banks
(excluding Regional Rural Banks)]

Dear Sir,

Priority Sector Lending- Targets and Classification –Overdraft in PMJDY accounts

Please refer to our Master Circular RPCD.CO.Plan.BC 10/04.09.01/2014-15 dated July 01, 2014 on Priority Sector Lending- Targets and Classification.

2. It has been decided that overdrafts extended by banks upto 5,000/- in Pradhan Mantri Jan-Dhan Yojana (PMJDY) accounts will be eligible for classification under priority sector advances (‘others’ category) as also weaker sections, provided the borrowers household annual income does not exceed 60,000/- for rural areas and ` 1,20,000/- for non-rural areas.

3. The above instructions come into effect from the date of this circular.

Yours faithfully,

Dy.General Manager

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